We've owned the 328xi for 2 years now, purchased brand new, and so far we've had 1 tire that needed to be changed and a new alternator, due to a rough idle. I don't kid myself about upcoming maintenance and costs, once we run out of warranty, but truth be told, I can't wait to get there! Why you ask? Well, our monthly payments are just over $600, there is no way the car would cost this much to maintain, once it's paid off. My point is, don't be afraid of the upkeep, be afraid of loans!